I received a response from Which today, in respect of my query concerning what I can do to claim compensation for the endowment sold prior to 1988.
The response was very detailed, and I think would be of interest to others. However, the bottom line of the note indicates I should not copy it on to others; so I have written to them asking permission to post it to this website.
I am still waiting for The Times to respond.
Watch this space!